- No monthly maintenance fees
- Five free non-Huntington ATM withdrawals per statement cycleΩ
- Credit Score monitoring at no added cost§
- Earns interest†
- No monthly maintenance fee with $1,000 in total monthly deposits, or $5,000 in total relationship balances, otherwise $10 a month^
Receive qualifying direct deposit to earn bonus¶
Platinum Perks Checking†
- Unlimited non-Huntington ATM withdrawalsΩ
- Credit Score and identity theft monitoring§
- Earns interest†
- No monthly maintenance fee with $25,000 in total relationship balances, otherwise $25 a month^
Minimum deposit $25,000 to earn bonus¶
Receive your Huntington Perks Checking℠ or Huntington Platinum Perks Checking℠ bonus in 3 easy steps
Open a new account
Choose and open the checking account that best fits your needs by October 7, 2023.
Meet your requirement
For Perks Checking, receive a qualifying direct deposit within 90 days of account opening, or for Platinum Perks Checking, make cumulative new money deposits of $25,000 within 90 days of account opening; and keep your account open for 90 days¶.
Checking Account Features
Asterisk-Free CheckingApply NowDisclosures
Perks CheckingApply OnlineDisclosures
Platinum Perks CheckingApply OnlineDisclosures
|Monthly Maintenance Fee||
$0 or $10
No fee with $1,000 in total monthly deposits, or $5,000 in total relationship balances, otherwise $10 a month^
$0 or $25
No fee with $25,000 in total relationship balances, otherwise $25 a month^
|Interest Bearing Account||-||
0.02% Annual Percentage Yield (APY) Applies to all balance tiers†
0.03% Annual Percentage Yield (APY) Applies to all balance tiers†
|Free ATM Withdrawals||-||
5 (Waive up to 5 per statement cycleΩ)
Unlimited non-Huntington ATM withdrawalsΩ
|Credit Score Monitoring§||-||
|Huntington Heads Up® Alerts for Real Time Account Updates‡‡||
Checking Account Features
Huntington checking accounts are loaded with features designed to look out for you and your financial well-being.
If you have a Huntington checking account with direct deposit, you could get paid up to two days early††.
$50 Safety Zone℠ and 24-Hour Grace®
If you accidentally overdraw your account by $50 or less, you won’t be charged an overdraft fee thanks to $50 Safety Zone. And, if you overdraw by more than $50, 24-Hour Grace gives you more time to make a deposit to avoid an overdraft fee or a returned transaction##.
Set financial goals, big or small, and features like Savings Goal Getter℠, Spend Analysis, Spend Setter℠, and Look Ahead Calendar℠ will show you how much you need to save and track your progress along the way, helping you get there faster.
Huntington Mobile App
Whether at home or on the go, you can quickly and securely check balances, pay bills, deposit checks, and more with our mobile app. Download the app and your accounts are a tap away.
Get more than money from your bank.
To be eligible for this offer, click Apply Online or Open at a Branch from this page, so that the promotion code is claimed at time of account opening. This offer is only available to applicants residing in Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia or Wisconsin.
¶To qualify for the $400 cash bonus, you are required to open a new, qualifying Huntington Perks Checking account by October 7, 2023 and have a qualifying direct deposit made to the account within 90 days of account opening and keep your account open for 90 days. Qualifying direct deposits are regular, periodic automated clearing house (ACH) credits, which may include payroll, salary, pension or government payments (such as Social Security). Payments through the Real-Time Payments (RTP) network, and payments through peer-to-peer networks such as PayPal, Zelle, Venmo or others do not qualify as direct deposits. Transfers from another Huntington deposit account do not qualify.
To qualify for the $600 cash bonus, you are required to open a new, qualifying Huntington Platinum Perks Checking account by October 7, 2023 and make cumulative new money deposits into the checking account of at least $25,000 or more within 90 days of account opening and keep your account open for 90 days.
If you opened a Huntington Perks Checking account, your $400 bonus will be deposited into your new checking account within 14 days of meeting the above requirements. If you opened a Huntington Platinum Perks Checking account, your $600 bonus will be deposited into your new checking account within 14 days of meeting the above requirements. Your checking account must remain in open status to receive the bonus.
"New money" is defined as money that is not currently on deposit in any Huntington account (except maturing personal CDs).
This offer is only available to new personal checking customers. All existing Huntington checking customers, including those with any relationship (including ﬁduciary) to any other Huntington checking account, or those who closed a checking account within the last six months, are not eligible.
Transfers from another Huntington deposit account do not count as a deposit. This offer cannot be used in combination with any other consumer checking offer. For tax purposes, you will receive a Form 1099-INT from us for the cash bonus. Huntington reserves the right to limit an individual to one account-related gift incentive per rolling 12-month period across all deposit account relationships.
†Huntington Perks Checking and Huntington Platinum Perks Checking are interest-bearing accounts. The annual percentage yield (APY) for Huntington Perks Checking is 0.02% and for Huntington Platinum Perks Checking is 0.03%. Earn interest on account balance in all balance tiers. Rates are variable and may change; fees may reduce earnings. Rates are current as of today's date.
ΩWith Huntington Platinum Perks Checking, we'll waive all & with Huntington Perks Checking your first 5 non-Huntington ATM cash withdrawal fees per statement cycle at any ATM worldwide. We'll also reimburse you for withdrawal fees on the same transactions charged by the owner of a non-Huntington ATM. You will be responsible for any additional fees charged by the owner of a non-Huntington ATM as well as any international transaction or other fees charged by the network.
§The Monitoring Services are optional and are not available with all accounts. Enrollment requires agreement to the Services' Terms & Conditions, which include important legal terms that a customer should read carefully before deciding whether to enroll.
^Refer to Personal Account Charges Form for detailed explanation of Total Relationship Balances. You can avoid the monthly checking maintenance fee for any statement period for Huntington Perks Checking if you have $1,000 in monthly deposits or if you keep a Total Relationship Balance of at least $5,000 in eligible deposits. You can avoid the monthly checking maintenance fee for any statement period for Huntington Platinum Perks Checking if you keep a Total Relationship Balance of at least $25,000 in eligible deposits. Eligible deposits are deposits held directly with us or investments made through our affiliate, Huntington Financial Advisors® (HFA). They include this account and any other consumer checking, money market, savings, certificate of deposit (CD), and individual retirement accounts (IRA) on which you are an owner. Eligible investments are those in your name, made through us or which HFA reports to our deposit system for inclusion in the Total Relationship Balance, and generally include investments (both IRA and non-IRA) held in brokerage accounts and certain direct investments in mutual funds and annuities, as well as advisory account balances. Investments held in IRAs and agency accounts with Huntington Private Bank®, as well as personal agency accounts within the Trust Group that utilize your social security number, are also eligible. We figure the Total Relationship Balance each month by adding the qualifying balances, as we determine them, for all of your eligible accounts to the average daily balance of this checking account for the monthly statement period.
††You may receive a direct deposit up to two days early with Early Pay if 1) you have a checking account with us, 2) a recurring qualifying direct deposit, and 3) provide us a valid email address. It is at our discretion to identify which recurring direct deposits are eligible for Early Pay and it may take up to 90 days to identify those deposits that qualify. We cannot guarantee that you will receive the Early Pay service due to unanticipated circumstances. Early Pay is automatic and there is no fee. You can opt out of the Early Pay service at any time, by contacting a branch or calling our service center at (800) 480-2265 and asking to have Early Pay removed. For more information, please see a Consumer Deposit Account agreement, or contact a branch. Learn more at huntington.com/EarlyPay. Receive recurring qualifying direct deposits up to two days early at no charge. Some direct deposit types are not eligible.
##Your account will be automatically closed if it remains negative in any amount for 60 days, including if your account is overdrawn within our $50 Safety Zone. Learn more at huntington.com/SafetyZone and huntington.com/Grace.
¶¶For your protection, you should only send money to those you know and trust, such as family, friends and others such as your personal trainer, babysitter or neighbor. If you don’t know the person or aren’t sure you will get what you paid for, you should not use Zelle® for these types of transactions. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
^^The first $500 of your total daily check deposits made at a branch, ATM, through Mobile Deposit, or Huntington Deposit Scan (for businesses) may be available to you immediately on the day we receive your deposit. For check deposits made from Saturday through Monday and Federal Holidays, up to $500 in total may be available immediately from all your check deposits over those days. Your remaining check deposit amount(s) will generally be available on the next business day. Subject to eligibility; longer holds and exclusions may apply. Please see your Funds Availability Policy for more detail.
Asterisk-Free Checking®, , and 24-Hour Grace® are federally registered service marks of Huntington Bancshares Incorporated. Money's just the start℠, Huntington Perks Checking℠, Huntington Platinum Perks Checking℠, , , $50 Safety Zone℠, Savings Goal Getter℠, Spend Setter℠, Look Ahead Calendar℠, and All Day Deposit℠ are service marks of Huntington Bancshares Incorporated. The 24-Hour Grace® system and method is patented. US Pat. No. 8,364,581, 8,781,955, 10,475,118, and others pending.
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To speak to a customer service representative, call (800) 480-2265.